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FAQs

Product Questions

A CAB installment loan is a medium-term loan provided by one of our lending partners. It is repaid gradually in scheduled payments over a period of no more than 180 days, similar to a traditional installment loan. A CAB installment loan may also be repaid early without any prepayment charges.

In Texas, CashNetUSA operates as a Credit Access Business (CAB). We will attempt to arrange a loan between you and a third-party lender and service that loan once it is issued.

Application Questions

You will receive an email notification if your application has been approved.

There are some instances where proof of income is required before your application can be approved, such as if you receive benefits or are self-employed.

If we do need some additional documents, you can send them to us by:

  1. Uploading them online in your account
  2. Emailing
  3. Faxing

We strongly recommend uploading the documents to your account. We can process them and get you a loan decision much faster than if you email or fax them.

 

Your exact deposit time depends on the time when your application is approved and a successful confirmation of your email address.

Monday through Friday: If your application is approved by 1:30 p.m. CT, you will generally receive your funds by the end of that day. If your application is approved after 1:30 p.m. CT, you will generally receive your funds by the next business day. For example, if your application is approved at 10 a.m. CT on a Tuesday, you will generally receive funds in your designated bank account by Tuesday afternoon.

Friday 1:30 p.m. CT to Monday 1:30 p.m. CT: If your application is approved between 1:30 p.m. CT Friday and 1:30 p.m. CT Monday, you will receive your funds on Monday, unless it is a bank holiday.

The exact time of funding depends on when your bank will post ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you should contact your bank's ACH department.

Account Questions

To update your password, follow these steps:

  1. Log in to your account
  2. Select "Change Password" under "Profile"
  3. Type in a new password and save

Use your new password the next time you log in.

To reset your password, follow these steps:

  1. Select "Forgot your email or password?" under the login section on the upper right-hand side of our website.
  2. Enter your email address and select the "Reset Password" button to have a temporary password delivered to the email address associated with your account.
  3. Once you log in with your temporary password, you will be required to update that password immediately.

Repayment Questions

Fraud & Security Questions

We understand that sometimes life happens. We’re here to help. Contact us via phone or email at least two business days before your upcoming payment to see if you’re eligible for a payment arrangement.

The exact time you will be able to reapply and receive funds after you have paid off your loan depends on your state of residence. You will be able to reapply through your FlexCashNow account.

If you reapply and are approved, you will generally receive your funds once your previous loan payment has been successfully processed. You may be required to wait a few additional days if you reside in a state that mandates a cooling off period between your loans.

Please refer to the Rates & Terms page of your state for more information.

ACH (Automated Clearing House) is a form of electronic debit. When the lender presents an ACH request to your bank, the bank will send the specified amount of loan fees and/or principal to the lender that were outlined in your loan agreement. If the payment is returned because of insufficient funds, the lender may re-present the debit to your bank.

Visit this page to review our requirements for paying by check and to find the mailing address for our Payment Processing Center.

The Servicemembers Civil Relief Act (SCRA) provides certain protections and relief to eligible active duty servicemembers, their spouses and dependents. For example, if a debt was incurred by the servicemember, or jointly with the servicemember’s spouse, before the servicemember’s active duty military service, the servicemember is entitled to have the interest rate on the debt reduced to 6% during the period of active duty service.

You can read additional information on the SCRA here. If you are an active duty servicemember, or if you have questions regarding whether the SCRA applies to you or your loan, please contact our compliance department at help@flexcashnow.com.

FlexCashNow uses email to send you:

  • Application status
  • Repayment reminders and confirmations
  • Promotions and more

These important account updates are why it’s essential you receive all email communications from FlexCashNow.

To ensure you receive important emails from FlexCashNow, please take a moment to add help@flexcashnow.com to your address book or your spam "good list" or "whitelist". This helps your email provider recognize FlexCashNow as a trusted email source. If you are still not receiving emails from FlexCashNow, please contact our Customer Service Team.

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Whether you have questions about your loan or need assistance, feel free to reach out to us anytime. Our dedicated team is ready to help!

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Contact

  • 901 W Yamato Road, Ste 260 | Boca Raton, FL 33431
  • support@flexlendingpro.net
  • +(1)866-919-2855
  • Mon-Fri: 9 AM - 8 PM, Sat 9 AM - 1 PM

© 2024 Flex TX CAB, LLC. All rights reserved. 

¹ Flex TX CAB, LLC, operating as FlexLendingPro, is licensed under the Texas Credit Services Organizations Act. License No. 170489, issued by the Texas Office of Consumer Credit Commissioner (OCCC). All loans for which FlexLendingPro acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by FlexLendingPro.

² Flex TX CAB, LLC, doing business as FlexLendingPro, assists consumers in obtaining credit and/or improving their credit scores by working with third-party lenders. We do not directly offer loans, but help connect consumers to lenders who may be able to provide credit.

³ Our fees for credit services will be calculated at 99% – 299% of the loan amount you are approved for. All fees will be clearly outlined in your agreement with us. Additional fees may apply depending on the services you request.

⁴ You have the right to cancel your agreement with Flex TX CAB, LLC (dba FlexLendingPro) within three (3) business days from the date of signing. To cancel, please contact us at 866-919-2855. If you cancel within this period, you will not be charged any fees.

⁵ Not all applications are approved; the duration of the approval process may vary. Credit limits/loan amounts are subject to further verification criteria and may vary depending on your individual circumstances and eligibility.

⁶ If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank’s policies. 

⁷ Loan terms will be provided by the lender and may include an Annual Percentage Rate (APR) ranging from 250% to 450%. Rates and interest may vary based on the loan amount and the applicant’s qualifications. Additional fees may apply, and these terms are subject to your creditworthiness and the lender’s conditions.

⁸ As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

⁹ If you have any complaints or concerns about the services provided by Flex TX CAB, LLC (dba FlexLendingPro), you may contact the Texas Office of Consumer Credit Commissioner (OCCC) at (800) 538-1579 or file a complaint online at https://occc.texas.gov/.